{"product_id":"loss-ratio","title":"Loss Ratio Calculator","description":"\u003cstyle\u003e\n.lr-calculator {\n  --ink: #0f172a;\n  --muted: #475569;\n  --border: #e2e8f0;\n  --surface: #ffffff;\n  --tint: #f8fafc;\n  --primary: #1d4ed8;\n  --accent: #c2410c;\n  --accent-hover: #9a3412;\n  --chart-1: #1e40af;\n  --chart-2: #0d9488;\n  --chart-3: #7c3aed;\n  --chart-4: #be185d;\n  --chart-5: #334155;\n  container-type: inline-size;\n  width: 100%;\n  max-width: 1200px;\n  margin: 0 auto;\n  color: var(--ink);\n  font-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\n  font-size: 15px;\n  line-height: 1.55;\n  overflow-wrap: anywhere;\n}\n.lr-calculator,\n.lr-calculator *,\n.lr-calculator *::before,\n.lr-calculator *::after {\n  box-sizing: border-box;\n}\n.lr-calculator button,\n.lr-calculator input,\n.lr-calculator select {\n  font: inherit;\n}\n.lr-calculator button,\n.lr-calculator input,\n.lr-calculator select,\n.lr-calculator a {\n  -webkit-tap-highlight-color: transparent;\n}\n.lr-calculator h2,\n.lr-calculator h3,\n.lr-calculator p {\n  margin-top: 0;\n}\n.lr-calculator h2 {\n  margin-bottom: 8px;\n  font-size: 24px;\n  line-height: 1.25;\n  font-weight: 700;\n  letter-spacing: -0.02em;\n}\n.lr-calculator h3 {\n  margin-bottom: 12px;\n  font-size: 18px;\n  line-height: 1.35;\n  font-weight: 650;\n}\n.lr-calculator a {\n  color: var(--primary);\n  text-decoration-thickness: 1px;\n  text-underline-offset: 3px;\n}\n.lr-calculator a:hover {\n  text-decoration-thickness: 2px;\n}\n.lr-calculator :focus-visible {\n  outline: 3px solid rgba(29, 78, 216, 0.32);\n  outline-offset: 2px;\n}\n.lr-shell {\n  display: grid;\n  gap: 24px;\n  min-width: 0;\n}\n.lr-header {\n  display: grid;\n  gap: 16px;\n  padding: 24px;\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  background: linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);\n  box-shadow: 0 1px 2px rgba(15, 23, 42, 0.06);\n  min-width: 0;\n}\n.lr-header-copy,\n.lr-header-copy \u003e * {\n  min-width: 0;\n}\n.lr-header-copy p {\n  max-width: 760px;\n  margin-bottom: 0;\n  color: var(--muted);\n}\n.lr-pills {\n  display: flex;\n  flex-wrap: wrap;\n  gap: 8px;\n  min-width: 0;\n}\n.lr-pill {\n  display: inline-flex;\n  align-items: center;\n  gap: 8px;\n  min-width: 0;\n  padding: 7px 10px;\n  border: 1px solid var(--border);\n  border-radius: 999px;\n  background: var(--surface);\n  color: var(--muted);\n  font-size: 13px;\n  line-height: 1.3;\n  font-weight: 500;\n}\n.lr-pill strong {\n  color: var(--ink);\n  font-variant-numeric: tabular-nums;\n}\n.lr-toolbar {\n  display: flex;\n  flex-wrap: wrap;\n  align-items: center;\n  gap: 12px;\n  min-width: 0;\n}\n.lr-button {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  gap: 10px;\n  min-height: 44px;\n  min-width: 0;\n  padding: 11px 18px;\n  border: 1px solid transparent;\n  border-radius: 6px;\n  cursor: pointer;\n  font-size: 15px;\n  font-weight: 650;\n  line-height: 1.2;\n  white-space: nowrap;\n  transition: background-color 0.15s ease, border-color 0.15s ease, transform 0.15s ease, box-shadow 0.15s ease;\n}\n.lr-button:hover {\n  box-shadow: 0 2px 5px rgba(15, 23, 42, 0.12);\n}\n.lr-button:active {\n  transform: translateY(1px);\n}\n.lr-download {\n  background: var(--accent);\n  color: #ffffff;\n}\n.lr-download:hover {\n  background: var(--accent-hover);\n}\n.lr-download svg {\n  width: 18px;\n  height: 18px;\n  flex: 0 0 auto;\n  stroke: currentColor;\n}\n.lr-reset {\n  border-color: #cbd5e1;\n  background: var(--surface);\n  color: var(--ink);\n}\n.lr-reset:hover {\n  background: #f1f5f9;\n  border-color: #94a3b8;\n}\n.lr-workspace {\n  display: grid;\n  grid-template-columns: minmax(0, 1fr);\n  gap: 24px;\n  min-width: 0;\n}\n.lr-panel,\n.lr-card {\n  min-width: 0;\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  background: var(--surface);\n  box-shadow: 0 1px 2px rgba(15, 23, 42, 0.06);\n}\n.lr-panel {\n  padding: 20px;\n}\n.lr-panel-head {\n  display: grid;\n  gap: 4px;\n  margin-bottom: 20px;\n  min-width: 0;\n}\n.lr-panel-head h3,\n.lr-panel-head p {\n  margin-bottom: 0;\n}\n.lr-panel-head p {\n  color: var(--muted);\n  font-size: 13px;\n}\n.lr-fields {\n  display: grid;\n  gap: 20px;\n  min-width: 0;\n}\n.lr-field {\n  display: grid;\n  gap: 8px;\n  min-width: 0;\n}\n.lr-field label {\n  display: inline-block;\n  color: var(--ink);\n  font-size: 14px;\n  font-weight: 600;\n}\n.lr-control-row {\n  display: grid;\n  grid-template-columns: minmax(0, 1fr);\n  gap: 10px;\n  align-items: center;\n  min-width: 0;\n}\n.lr-input-wrap {\n  position: relative;\n  min-width: 0;\n}\n.lr-input {\n  width: 100%;\n  min-width: 0;\n  min-height: 44px;\n  padding: 10px 12px 10px 34px;\n  border: 1px solid #cbd5e1;\n  border-radius: 6px;\n  background: #ffffff;\n  color: var(--ink);\n  font-size: 15px;\n  font-weight: 500;\n  line-height: 1.2;\n  font-variant-numeric: tabular-nums;\n}\n.lr-input:hover {\n  border-color: #94a3b8;\n}\n.lr-input:focus {\n  border-color: var(--primary);\n  outline: 3px solid rgba(29, 78, 216, 0.16);\n}\n.lr-currency-mark {\n  position: absolute;\n  left: 12px;\n  top: 50%;\n  transform: translateY(-50%);\n  color: var(--muted);\n  font-weight: 600;\n  pointer-events: none;\n}\n.lr-range {\n  width: 100%;\n  min-width: 0;\n  height: 24px;\n  accent-color: var(--primary);\n  cursor: pointer;\n}\n.lr-helper,\n.lr-error {\n  min-height: 20px;\n  margin: 0;\n  font-size: 13px;\n  line-height: 1.45;\n}\n.lr-helper {\n  color: var(--muted);\n}\n.lr-error {\n  color: #b91c1c;\n  font-weight: 500;\n}\n.lr-results {\n  display: grid;\n  gap: 16px;\n  min-width: 0;\n}\n.lr-primary-result {\n  display: grid;\n  gap: 8px;\n  padding: 20px;\n  border: 1px solid #bfdbfe;\n  border-radius: 8px;\n  background: #eff6ff;\n  min-width: 0;\n}\n.lr-primary-label {\n  color: #1e3a8a;\n  font-size: 13px;\n  font-weight: 650;\n  text-transform: uppercase;\n  letter-spacing: 0.04em;\n}\n.lr-primary-value {\n  color: #172554;\n  font-size: 30px;\n  line-height: 1.1;\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n  overflow-wrap: anywhere;\n}\n.lr-primary-summary {\n  margin: 0;\n  color: #1e3a8a;\n  font-size: 14px;\n}\n.lr-status {\n  display: inline-flex;\n  align-items: center;\n  width: fit-content;\n  max-width: 100%;\n  padding: 5px 9px;\n  border-radius: 999px;\n  background: #dbeafe;\n  color: #1e3a8a;\n  font-size: 13px;\n  font-weight: 650;\n}\n.lr-status[data-lr-status=\"warning\"] {\n  background: #ffedd5;\n  color: #9a3412;\n}\n.lr-status[data-lr-status=\"critical\"] {\n  background: #fee2e2;\n  color: #991b1b;\n}\n.lr-status[data-lr-status=\"neutral\"] {\n  background: #e2e8f0;\n  color: #334155;\n}\n.lr-metrics {\n  display: grid;\n  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));\n  gap: 12px;\n  min-width: 0;\n}\n.lr-metric {\n  display: grid;\n  align-content: start;\n  gap: 4px;\n  min-width: 0;\n  padding: 14px;\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  background: var(--surface);\n}\n.lr-metric-label {\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.lr-metric-value {\n  color: var(--ink);\n  font-size: 20px;\n  line-height: 1.25;\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n  overflow-wrap: anywhere;\n}\n.lr-metric-note {\n  color: var(--muted);\n  font-size: 13px;\n}\n.lr-section {\n  display: grid;\n  gap: 16px;\n  min-width: 0;\n  padding: 20px;\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  background: var(--surface);\n  box-shadow: 0 1px 2px rgba(15, 23, 42, 0.06);\n}\n.lr-section-head {\n  display: grid;\n  gap: 4px;\n  min-width: 0;\n}\n.lr-section-head h3,\n.lr-section-head p {\n  margin-bottom: 0;\n}\n.lr-section-head p {\n  color: var(--muted);\n  font-size: 13px;\n}\n.lr-chart-total {\n  display: flex;\n  flex-wrap: wrap;\n  align-items: baseline;\n  gap: 8px;\n  color: var(--muted);\n  font-size: 13px;\n  min-width: 0;\n}\n.lr-chart-total strong {\n  color: var(--ink);\n  font-size: 20px;\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n}\n.lr-chart-cluster {\n  display: grid;\n  grid-template-columns: minmax(0, 280px);\n  justify-content: center;\n  align-items: center;\n  gap: 24px;\n  min-width: 0;\n}\n.lr-chart-visual {\n  display: grid;\n  place-items: center;\n  width: min(100%, 280px);\n  aspect-ratio: 1;\n  min-width: 0;\n  margin: 0 auto;\n}\n.lr-chart-svg {\n  display: block;\n  width: 100%;\n  height: 100%;\n  max-width: 280px;\n  max-height: 280px;\n  overflow: visible;\n}\n.lr-chart-track {\n  fill: none;\n  stroke: #e2e8f0;\n  stroke-width: 28;\n}\n.lr-chart-segment {\n  fill: none;\n  stroke-width: 28;\n  stroke-linecap: butt;\n  transform: rotate(-90deg);\n  transform-origin: 120px 120px;\n  transition: stroke-dasharray 0.2s ease, stroke-dashoffset 0.2s ease;\n}\n.lr-chart-center-label {\n  fill: var(--muted);\n  font-size: 13px;\n  font-weight: 600;\n  text-anchor: middle;\n}\n.lr-chart-center-value {\n  fill: var(--ink);\n  font-size: 17px;\n  font-weight: 700;\n  text-anchor: middle;\n  font-variant-numeric: tabular-nums;\n}\n.lr-chart-side {\n  display: grid;\n  gap: 16px;\n  min-width: 0;\n}\n.lr-legend {\n  display: grid;\n  gap: 10px;\n  min-width: 0;\n}\n.lr-legend-row {\n  display: grid;\n  grid-template-columns: 12px minmax(90px, max-content) max-content max-content;\n  align-items: center;\n  justify-content: start;\n  column-gap: 12px;\n  row-gap: 4px;\n  min-width: 0;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.lr-swatch {\n  width: 12px;\n  height: 12px;\n  border-radius: 3px;\n}\n.lr-legend-label {\n  color: var(--ink);\n}\n.lr-legend-value,\n.lr-legend-percent {\n  color: var(--ink);\n  font-variant-numeric: tabular-nums;\n  white-space: nowrap;\n}\n.lr-chart-table-wrap {\n  min-width: 0;\n  overflow-x: auto;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n}\n.lr-chart-table,\n.lr-detail-table {\n  width: 100%;\n  border-collapse: collapse;\n  border-spacing: 0;\n  color: var(--ink);\n  font-size: 13px;\n  font-variant-numeric: tabular-nums;\n}\n.lr-chart-table th,\n.lr-chart-table td,\n.lr-detail-table th,\n.lr-detail-table td {\n  padding: 10px 12px;\n  border-bottom: 1px solid var(--border);\n  text-align: left;\n  vertical-align: top;\n}\n.lr-chart-table th,\n.lr-detail-table th {\n  background: #f1f5f9;\n  color: #334155;\n  font-weight: 650;\n  white-space: nowrap;\n}\n.lr-chart-table td:nth-child(n+2),\n.lr-chart-table th:nth-child(n+2),\n.lr-detail-table td:nth-child(n+3),\n.lr-detail-table th:nth-child(n+3) {\n  text-align: right;\n}\n.lr-chart-table tr:last-child td,\n.lr-detail-table tr:last-child td {\n  border-bottom: 0;\n}\n.lr-caption {\n  min-width: 0;\n  margin-top: 16px;\n  padding: 10px 12px;\n  border: 1px solid #dbeafe;\n  border-radius: 6px;\n  background: #eff6ff;\n  color: #1e3a8a;\n  font-size: 13px;\n  line-height: 1.5;\n}\n.lr-empty {\n  display: none;\n  min-width: 0;\n  padding: 16px;\n  border: 1px dashed #cbd5e1;\n  border-radius: 6px;\n  background: var(--tint);\n  color: var(--muted);\n  font-size: 13px;\n  text-align: center;\n}\n.lr-empty[data-lr-visible=\"true\"] {\n  display: block;\n}\n.lr-safe-stack .lr-chart-cluster {\n  grid-template-columns: minmax(0, 280px);\n  justify-content: center;\n  row-gap: 24px;\n}\n.lr-safe-stack .lr-chart-side {\n  width: 100%;\n  max-width: 520px;\n  margin: 0 auto;\n}\n.lr-table-wrap {\n  min-width: 0;\n  overflow-x: auto;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n}\n.lr-detail-table {\n  min-width: 660px;\n  font-size: 14px;\n}\n.lr-detail-table tbody tr:hover {\n  background: #f8fafc;\n}\n.lr-table-note {\n  min-width: 0;\n  margin-top: 16px;\n  padding: 10px 12px;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  background: var(--tint);\n  color: var(--muted);\n  font-size: 13px;\n  line-height: 1.5;\n}\n.lr-safe-table-stack .lr-table-note {\n  margin-top: 24px;\n}\n.lr-education {\n  display: grid;\n  gap: 24px;\n  min-width: 0;\n  padding: 24px;\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  background: var(--surface);\n  box-shadow: 0 1px 2px rgba(15, 23, 42, 0.06);\n}\n.lr-education-section {\n  min-width: 0;\n}\n.lr-education-section h3 {\n  margin-bottom: 8px;\n}\n.lr-education-section p:last-child {\n  margin-bottom: 0;\n}\n.lr-education ul {\n  margin: 8px 0 0;\n  padding-left: 22px;\n}\n.lr-education li + li {\n  margin-top: 8px;\n}\n.lr-formula {\n  display: block;\n  margin: 12px 0;\n  padding: 12px;\n  border-left: 4px solid var(--primary);\n  border-radius: 0 6px 6px 0;\n  background: #eff6ff;\n  color: #172554;\n  font-weight: 650;\n  font-variant-numeric: tabular-nums;\n}\n.lr-visually-hidden {\n  position: absolute;\n  width: 1px;\n  height: 1px;\n  padding: 0;\n  margin: -1px;\n  overflow: hidden;\n  clip: rect(0, 0, 0, 0);\n  white-space: nowrap;\n  border: 0;\n}\n@container (min-width: 640px) {\n  .lr-header {\n    grid-template-columns: minmax(0, 1fr) auto;\n    align-items: center;\n  }\n  .lr-chart-cluster {\n    grid-template-columns: minmax(220px, 280px) minmax(0, 420px);\n  }\n  .lr-control-row {\n    grid-template-columns: minmax(180px, 0.72fr) minmax(140px, 1fr);\n  }\n}\n@container (min-width: 900px) {\n  .lr-workspace {\n    grid-template-columns: minmax(0, 0.88fr) minmax(0, 1.12fr);\n    align-items: start;\n  }\n}\n@container (max-width: 639px) {\n  .lr-header,\n  .lr-panel,\n  .lr-section,\n  .lr-education {\n    padding: 16px;\n  }\n  .lr-toolbar {\n    display: grid;\n    grid-template-columns: minmax(0, 1fr);\n  }\n  .lr-button {\n    width: 100%;\n  }\n  .lr-legend-row {\n    grid-template-columns: 12px minmax(0, 1fr) max-content;\n    column-gap: 10px;\n  }\n  .lr-legend-percent {\n    grid-column: 2 \/ 4;\n    padding-left: 0;\n    color: var(--muted);\n  }\n  .lr-chart-cluster {\n    row-gap: 20px;\n  }\n  .lr-caption,\n  .lr-table-note {\n    margin-top: 12px;\n  }\n}\n@media (prefers-reduced-motion: reduce) {\n  .lr-calculator *,\n  .lr-calculator *::before,\n  .lr-calculator *::after {\n    scroll-behavior: auto !important;\n    transition: none !important;\n  }\n}\n\u003c\/style\u003e\n\u003cdiv class=\"lr-calculator\" data-calculator-root\u003e\n  \u003cdiv class=\"lr-shell\"\u003e\n    \u003cheader class=\"lr-header\"\u003e\n      \u003cdiv class=\"lr-header-copy\"\u003e\n        \u003ch2\u003eLoss Ratio Calculator\u003c\/h2\u003e\n        \u003cp\u003eMeasure how much of earned premium is absorbed by claims and loss adjustment expenses, then inspect the cost mix behind the ratio.\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"lr-pills\" aria-label=\"Live calculation highlights\"\u003e\n        \u003cspan class=\"lr-pill\"\u003eLoss ratio \u003cstrong data-lr-pill=\"ratio\"\u003e53.00%\u003c\/strong\u003e\u003c\/span\u003e\n        \u003cspan class=\"lr-pill\"\u003eTotal losses \u003cstrong data-lr-pill=\"losses\"\u003e$5,300,000.00\u003c\/strong\u003e\u003c\/span\u003e\n        \u003cspan class=\"lr-pill\"\u003ePremium remaining \u003cstrong data-lr-pill=\"remaining\"\u003e$4,700,000.00\u003c\/strong\u003e\u003c\/span\u003e\n      \u003c\/div\u003e\n    \u003c\/header\u003e\n\n    \u003cdiv class=\"lr-toolbar\" aria-label=\"Calculator actions\"\u003e\n      \u003cbutton class=\"lr-button lr-download\" type=\"button\" data-lr-action=\"download\"\u003e\n        \u003csvg viewbox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\"\u003e\u003cpath d=\"M12 3v12m0 0 4-4m-4 4-4-4M5 21h14a2 2 0 0 0 2-2v-3M3 16v3a2 2 0 0 0 2 2\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n        \u003cspan\u003eDownload Excel\u003c\/span\u003e\n      \u003c\/button\u003e\n      \u003cbutton class=\"lr-button lr-reset\" type=\"button\" data-lr-action=\"reset\"\u003eReset\u003c\/button\u003e\n    \u003c\/div\u003e\n\n    \u003cdiv class=\"lr-workspace\"\u003e\n      \u003csection class=\"lr-panel\" aria-labelledby=\"lr-inputs-heading\"\u003e\n        \u003cdiv class=\"lr-panel-head\"\u003e\n          \u003ch3 id=\"lr-inputs-heading\"\u003eFinancial results\u003c\/h3\u003e\n          \u003cp\u003eEnter values for the same accounting period and on the same gross or net basis.\u003c\/p\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lr-fields\"\u003e\n          \u003cdiv class=\"lr-field\"\u003e\n            \u003clabel for=\"lr-premiums\"\u003eTotal premiums earned\u003c\/label\u003e\n            \u003cdiv class=\"lr-control-row\"\u003e\n              \u003cdiv class=\"lr-input-wrap\"\u003e\n                \u003cspan class=\"lr-currency-mark\" aria-hidden=\"true\"\u003e$\u003c\/span\u003e\n                \u003cinput class=\"lr-input\" id=\"lr-premiums\" data-lr-input=\"premiums\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"10,000,000.00\" aria-describedby=\"lr-premiums-help lr-premiums-error\"\u003e\n              \u003c\/div\u003e\n              \u003cinput class=\"lr-range\" id=\"lr-premiums-range\" data-lr-range=\"premiums\" type=\"range\" min=\"0\" max=\"20000000\" step=\"10000\" value=\"10000000\" aria-label=\"Total premiums earned slider\"\u003e\n            \u003c\/div\u003e\n            \u003cp class=\"lr-helper\" id=\"lr-premiums-help\"\u003ePremium recognized as earned during the period, not simply cash collected.\u003c\/p\u003e\n            \u003cp class=\"lr-error\" id=\"lr-premiums-error\" data-lr-error=\"premiums\" aria-live=\"polite\"\u003e\u003c\/p\u003e\n          \u003c\/div\u003e\n\n          \u003cdiv class=\"lr-field\"\u003e\n            \u003clabel for=\"lr-claims\"\u003eInsurance claims paid or incurred\u003c\/label\u003e\n            \u003cdiv class=\"lr-control-row\"\u003e\n              \u003cdiv class=\"lr-input-wrap\"\u003e\n                \u003cspan class=\"lr-currency-mark\" aria-hidden=\"true\"\u003e$\u003c\/span\u003e\n                \u003cinput class=\"lr-input\" id=\"lr-claims\" data-lr-input=\"claims\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"3,500,000.00\" aria-describedby=\"lr-claims-help lr-claims-error\"\u003e\n              \u003c\/div\u003e\n              \u003cinput class=\"lr-range\" id=\"lr-claims-range\" data-lr-range=\"claims\" type=\"range\" min=\"0\" max=\"15000000\" step=\"10000\" value=\"3500000\" aria-label=\"Insurance claims slider\"\u003e\n            \u003c\/div\u003e\n            \u003cp class=\"lr-helper\" id=\"lr-claims-help\"\u003eUse claim costs that align with the premium basis and reporting period.\u003c\/p\u003e\n            \u003cp class=\"lr-error\" id=\"lr-claims-error\" data-lr-error=\"claims\" aria-live=\"polite\"\u003e\u003c\/p\u003e\n          \u003c\/div\u003e\n\n          \u003cdiv class=\"lr-field\"\u003e\n            \u003clabel for=\"lr-lae\"\u003eLoss adjustment expense\u003c\/label\u003e\n            \u003cdiv class=\"lr-control-row\"\u003e\n              \u003cdiv class=\"lr-input-wrap\"\u003e\n                \u003cspan class=\"lr-currency-mark\" aria-hidden=\"true\"\u003e$\u003c\/span\u003e\n                \u003cinput class=\"lr-input\" id=\"lr-lae\" data-lr-input=\"lae\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"1,800,000.00\" aria-describedby=\"lr-lae-help lr-lae-error\"\u003e\n              \u003c\/div\u003e\n              \u003cinput class=\"lr-range\" id=\"lr-lae-range\" data-lr-range=\"lae\" type=\"range\" min=\"0\" max=\"10000000\" step=\"10000\" value=\"1800000\" aria-label=\"Loss adjustment expense slider\"\u003e\n            \u003c\/div\u003e\n            \u003cp class=\"lr-helper\" id=\"lr-lae-help\"\u003eInclude costs of investigating, managing, defending, and settling claims.\u003c\/p\u003e\n            \u003cp class=\"lr-error\" id=\"lr-lae-error\" data-lr-error=\"lae\" aria-live=\"polite\"\u003e\u003c\/p\u003e\n          \u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/section\u003e\n\n      \u003csection class=\"lr-panel lr-results\" aria-labelledby=\"lr-results-heading\"\u003e\n        \u003cdiv class=\"lr-panel-head\"\u003e\n          \u003ch3 id=\"lr-results-heading\"\u003eLive results\u003c\/h3\u003e\n          \u003cp\u003eThe ratio updates as values change; no submit step is required.\u003c\/p\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lr-primary-result\"\u003e\n          \u003cspan class=\"lr-primary-label\"\u003eLoss ratio\u003c\/span\u003e\n          \u003cstrong class=\"lr-primary-value\" data-lr-output=\"ratio\"\u003e53.00%\u003c\/strong\u003e\n          \u003cspan class=\"lr-status\" data-lr-output=\"status\" data-lr-status=\"normal\"\u003eClaims and LAE are below earned premium\u003c\/span\u003e\n          \u003cp class=\"lr-primary-summary\" data-lr-live aria-live=\"polite\"\u003eA 53.00% loss ratio means $0.53 of every premium dollar is used for claims and loss adjustment expenses.\u003c\/p\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lr-metrics\"\u003e\n          \u003cdiv class=\"lr-metric\"\u003e\n            \u003cspan class=\"lr-metric-label\"\u003eTotal losses and LAE\u003c\/span\u003e\n            \u003cstrong class=\"lr-metric-value\" data-lr-output=\"totalLosses\"\u003e$5,300,000.00\u003c\/strong\u003e\n            \u003cspan class=\"lr-metric-note\"\u003eClaims plus adjustment expense\u003c\/span\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"lr-metric\"\u003e\n            \u003cspan class=\"lr-metric-label\"\u003ePremium remaining\u003c\/span\u003e\n            \u003cstrong class=\"lr-metric-value\" data-lr-output=\"remaining\"\u003e$4,700,000.00\u003c\/strong\u003e\n            \u003cspan class=\"lr-metric-note\"\u003eBefore other underwriting costs\u003c\/span\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"lr-metric\"\u003e\n            \u003cspan class=\"lr-metric-label\"\u003eClaims ratio\u003c\/span\u003e\n            \u003cstrong class=\"lr-metric-value\" data-lr-output=\"claimsRatio\"\u003e35.00%\u003c\/strong\u003e\n            \u003cspan class=\"lr-metric-note\"\u003eClaims as a share of premium\u003c\/span\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"lr-metric\"\u003e\n            \u003cspan class=\"lr-metric-label\"\u003eLAE ratio\u003c\/span\u003e\n            \u003cstrong class=\"lr-metric-value\" data-lr-output=\"laeRatio\"\u003e18.00%\u003c\/strong\u003e\n            \u003cspan class=\"lr-metric-note\"\u003eAdjustment cost share of premium\u003c\/span\u003e\n          \u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/section\u003e\n    \u003c\/div\u003e\n\n    \u003csection class=\"lr-section lr-chart-card\" data-lr-chart-card aria-labelledby=\"lr-chart-heading\"\u003e\n      \u003cdiv class=\"lr-section-head\"\u003e\n        \u003ch3 id=\"lr-chart-heading\"\u003eLoss cost composition\u003c\/h3\u003e\n        \u003cp\u003eSee how claims and loss adjustment expenses divide the current total loss cost.\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"lr-chart-total\"\u003eTotal loss cost \u003cstrong data-lr-chart-total\u003e$5,300,000.00\u003c\/strong\u003e\n\u003c\/div\u003e\n      \u003cdiv class=\"lr-chart-cluster\" data-lr-chart-cluster\u003e\n        \u003cdiv class=\"lr-chart-visual\" data-lr-chart-visual\u003e\n          \u003csvg class=\"lr-chart-svg\" data-lr-chart viewbox=\"0 0 240 240\" role=\"img\" aria-labelledby=\"lr-chart-title lr-chart-desc\"\u003e\n            \u003ctitle id=\"lr-chart-title\"\u003eLoss cost composition chart\u003c\/title\u003e\n            \u003cdesc id=\"lr-chart-desc\" data-lr-chart-desc\u003eClaims are $3,500,000.00 and loss adjustment expenses are $1,800,000.00.\u003c\/desc\u003e\n            \u003ccircle class=\"lr-chart-track\" cx=\"120\" cy=\"120\" r=\"82\"\u003e\u003c\/circle\u003e\n            \u003cg data-lr-segments\u003e\u003c\/g\u003e\n            \u003ctext class=\"lr-chart-center-label\" x=\"120\" y=\"113\"\u003eTotal losses\u003c\/text\u003e\n            \u003ctext class=\"lr-chart-center-value\" x=\"120\" y=\"136\" data-lr-chart-center\u003e$5.30M\u003c\/text\u003e\n          \u003c\/svg\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"lr-chart-side\"\u003e\n          \u003cdiv class=\"lr-legend\" data-lr-legend aria-label=\"Chart legend\"\u003e\u003c\/div\u003e\n          \u003cdiv class=\"lr-chart-table-wrap\"\u003e\n            \u003ctable class=\"lr-chart-table\" aria-label=\"Loss cost composition data\"\u003e\n              \u003cthead\u003e\u003ctr\u003e\n\u003cth scope=\"col\"\u003eComponent\u003c\/th\u003e\n\u003cth scope=\"col\"\u003eAmount\u003c\/th\u003e\n\u003cth scope=\"col\"\u003eShare\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n              \u003ctbody data-lr-chart-table\u003e\u003c\/tbody\u003e\n            \u003c\/table\u003e\n          \u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"lr-empty\" data-lr-chart-empty\u003eEnter claims or loss adjustment expenses to see the loss cost composition.\u003c\/div\u003e\n      \u003cdiv class=\"lr-caption\" data-lr-chart-caption\u003eClaims account for 66.04% of total loss cost, while loss adjustment expenses account for 33.96%.\u003c\/div\u003e\n    \u003c\/section\u003e\n\n    \u003csection class=\"lr-section lr-table-card\" data-lr-table-card aria-labelledby=\"lr-table-heading\"\u003e\n      \u003cdiv class=\"lr-section-head\"\u003e\n        \u003ch3 id=\"lr-table-heading\"\u003eUnderwriting ratio detail\u003c\/h3\u003e\n        \u003cp\u003eAll rows use the same current-state model as the headline result, chart, and workbook.\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"lr-table-wrap\" data-lr-table-wrap\u003e\n        \u003ctable class=\"lr-detail-table\"\u003e\n          \u003cthead\u003e\n            \u003ctr\u003e\n\u003cth scope=\"col\"\u003eMetric\u003c\/th\u003e\n\u003cth scope=\"col\"\u003eCalculation\u003c\/th\u003e\n\u003cth scope=\"col\"\u003eAmount\u003c\/th\u003e\n\u003cth scope=\"col\"\u003eShare of earned premium\u003c\/th\u003e\n\u003c\/tr\u003e\n          \u003c\/thead\u003e\n          \u003ctbody data-lr-detail-table\u003e\u003c\/tbody\u003e\n        \u003c\/table\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"lr-table-note\" data-lr-table-note\u003ePremium remaining is not net profit. Acquisition costs, commissions, taxes, overhead, reinsurance effects, reserve development, and investment income are outside this simple loss-ratio calculation.\u003c\/div\u003e\n    \u003c\/section\u003e\n\n    \u003csection class=\"lr-education\" aria-labelledby=\"lr-guide-heading\"\u003e\n      \u003cdiv class=\"lr-education-section\"\u003e\n        \u003ch2 id=\"lr-guide-heading\"\u003eHow to use and interpret the loss ratio\u003c\/h2\u003e\n        \u003cp\u003eThis calculator estimates the underwriting loss ratio for a single reporting period. It compares claims and loss adjustment expenses with earned premium. The output is useful for reviewing pricing adequacy, claims experience, and claims-handling cost, but it is not a complete measure of insurer profitability. A company can have a loss ratio below 100% and still produce an underwriting loss after commissions, operating expenses, premium taxes, and other costs are included.\u003c\/p\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"lr-education-section\"\u003e\n        \u003ch3\u003eWhat each input means\u003c\/h3\u003e\n        \u003cp\u003e\u003cstrong\u003eTotal premiums earned\u003c\/strong\u003e is the denominator. Enter premium recognized as revenue during the period, not necessarily premium billed or cash received. A policy written for a full year becomes earned over the coverage period, so written premium and earned premium can differ. Use a gross basis for all fields or a net-of-reinsurance basis for all fields; mixing the two creates a misleading ratio. Higher earned premium lowers the ratio when loss costs remain unchanged.\u003c\/p\u003e\n        \u003cp\u003e\u003cstrong\u003eInsurance claims paid or incurred\u003c\/strong\u003e is the principal loss component. Paid claims are cash settlements made during the period, while incurred claims generally include paid losses plus changes in reserves for unpaid claims. Financial reporting often uses incurred losses because paid amounts alone can lag the underlying events. Choose one basis and apply it consistently. Higher claims increase the loss ratio directly.\u003c\/p\u003e\n        \u003cp\u003e\u003cstrong\u003eLoss adjustment expense\u003c\/strong\u003e covers the cost of handling claims. Depending on the reporting framework, it can include investigation, appraisal, legal defense, claim department labor, external adjusters, and settlement administration. Do not add general selling or corporate overhead here. Higher LAE raises both the LAE ratio and the overall loss ratio.\u003c\/p\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"lr-education-section\"\u003e\n        \u003ch3\u003eHow the formula works\u003c\/h3\u003e\n        \u003cspan class=\"lr-formula\"\u003eLoss ratio = (claims + loss adjustment expense) ÷ earned premium × 100%\u003c\/span\u003e\n        \u003cp\u003eWith the example values loaded initially, claims of $3.5 million plus LAE of $1.8 million produce $5.3 million of total loss cost. Dividing that amount by $10 million of earned premium gives 53.00%. The claims ratio is calculated separately as claims divided by premium, and the LAE ratio is LAE divided by premium. Those two component ratios add to the loss ratio.\u003c\/p\u003e\n        \u003cp\u003eWhen earned premium is zero, the percentage is mathematically undefined. The calculator therefore shows an awaiting-premium state rather than displaying an infinite or invalid result. Negative amounts are rejected because premium, claim cost, and adjustment expense inputs in this simplified model represent nonnegative accounting totals.\u003c\/p\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"lr-education-section\"\u003e\n        \u003ch3\u003eHow to read the results\u003c\/h3\u003e\n        \u003cp\u003eThe \u003cstrong\u003eloss ratio\u003c\/strong\u003e tells you how many cents of each earned premium dollar are consumed by claims and claims handling. A 65% result means $0.65 is used for those costs, leaving $0.35 before other underwriting expenses. A result of exactly 100% means claims and LAE equal earned premium. A result above 100% means loss costs exceed premium before commissions or overhead are considered. A low result is not automatically better: it may reflect favorable experience, but it can also indicate conservative reserving, unusual timing, or prices that may not be competitive.\u003c\/p\u003e\n        \u003cp\u003e\u003cstrong\u003eTotal losses and LAE\u003c\/strong\u003e is the numerator. \u003cstrong\u003ePremium remaining\u003c\/strong\u003e is earned premium minus that numerator; a negative value represents a loss-cost deficit. \u003cstrong\u003eClaims ratio\u003c\/strong\u003e isolates claim severity and frequency from adjustment cost. \u003cstrong\u003eLAE ratio\u003c\/strong\u003e highlights claims-management cost. A rising LAE ratio may warrant review of litigation, vendor costs, claim complexity, or internal process efficiency.\u003c\/p\u003e\n        \u003cp\u003eThe donut chart divides total loss cost between claims and LAE. It does not show premium or profitability. The detail table adds the amount and premium share for every component, allowing the figures to cross-foot: claims plus LAE equals total losses, while the two component percentages add to the headline ratio.\u003c\/p\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"lr-education-section\"\u003e\n        \u003ch3\u003eImportant comparisons and common mistakes\u003c\/h3\u003e\n        \u003cul\u003e\n          \u003cli\u003eCompare like with like: the same line of business, period, geography, gross\/net basis, and paid\/incurred basis.\u003c\/li\u003e\n          \u003cli\u003eDo not treat a generic property-and-casualty loss ratio as the regulated medical loss ratio used in U.S. health insurance. The federal health-insurance calculation has specific definitions and adjustments.\u003c\/li\u003e\n          \u003cli\u003eDo not confuse loss ratio with combined ratio. The combined ratio adds an underwriting expense ratio and may use different premium bases for specific components.\u003c\/li\u003e\n          \u003cli\u003eReview several periods rather than one isolated result. Catastrophes, reserve releases, large claims, and seasonality can materially distort a single quarter or year.\u003c\/li\u003e\n          \u003cli\u003eInvestigate data timing. Premium may be earned gradually, while claims can be reported and settled much later.\u003c\/li\u003e\n        \u003c\/ul\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"lr-education-section\"\u003e\n        \u003ch3\u003eAuthoritative references for further analysis\u003c\/h3\u003e\n        \u003cp\u003eThe \u003ca href=\"https:\/\/content.naic.org\/glossary-insurance-terms\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eNational Association of Insurance Commissioners glossary\u003c\/a\u003e defines common insurance metrics, including the combined ratio. The \u003ca href=\"https:\/\/www.iii.org\/publications\/commercial-insurance\/how-it-functions\/financial-reporting\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eInsurance Information Institute financial reporting overview\u003c\/a\u003e explains how underwriting ratios relate to insurer results. Public insurers usually discuss loss ratios and reserve development in annual reports available through the \u003ca href=\"https:\/\/www.sec.gov\/search-filings\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eSEC EDGAR filing search\u003c\/a\u003e. For health insurance, consult the separate \u003ca href=\"https:\/\/www.cms.gov\/marketplace\/private-health-insurance\/medical-loss-ratio\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eCMS medical loss ratio guidance\u003c\/a\u003e.\u003c\/p\u003e\n        \u003cp\u003eThis calculator is an educational analytical tool. It does not provide actuarial, accounting, regulatory, legal, tax, or investment advice.\u003c\/p\u003e\n      \u003c\/div\u003e\n    \u003c\/section\u003e\n  \u003c\/div\u003e\n\u003c\/div\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49909488222451,"sku":"loss-ratio","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/loss-ratio.webp?v=1783935548","url":"https:\/\/financialmodelslab.com\/products\/loss-ratio","provider":"Financial Models Lab","version":"1.0","type":"link"}